I haven’t been very active on here lately because of the work grind and family responsibilities (all good things!) but since I have some time waiting while my daughter is in her hip hop and acro classes, I figured I’d take the opportunity to write a few thoughts! I have a few simple, perhaps unconventional, investing habits that I feel works for me, which I recently shared with a friend. We were comparing how we invest. Below are some habits I brought up. Not necessarily practices I’d recommend others to follow. Every investor has different financial circumstances, goals, and risk tolerances, so it’s important to assess what makes sense for yout own situation. 1) I don’t always invest immediately - when I deposit money into my investing account I sometimes wait a week or two for a dip in the stocks or ETFs I want to buy. I recognize this is a form of market timing, and research generally shows investing sooner tends to outperform waiting. Still, I prefer being a little selective about my entry point without waiting indefinitely for the perfect price. 2) I practice DCA, but I don’t automate my investments - I invest consistently, usually around paydays, but I prefer manually transferring my money and deciding how much to allocate at a given time. Most often I invest the same amount every month, but I like to choose which day that is (aligns with my point 1 above). I enjoy being intentional which each contribution rather than everything happening automatically. Maybe I’m a bit of a control freak too lol. Since I occasionally wait for dips before buying, my approach combines regular contributions with some market timing rather than strict dollar cost averaging (DCA). 3) I track every contribution in a spreadsheet- even though my brokerages (Questrade and Wealthsimple) tracks deposits, I maintain my own spreadsheet to monitor annual contributions, document milestones, and measure progress toward my investing goals. Plus a love a good spreadsheet! I update it regularly (every time I deposit) because I like the satisfaction of seeing how much I’ve personally contributed separate from market performance. 4) I check my investments everyday - while conventional advice often suggests checking your portfolio less frequently, I prefer staying informed on a daily basis as I find it motivates me, gives me a sense of satisfaction, and makes me feel confident in my financial decisions. I’m not a person who makes hasty decisions so I’m not worried that I’ll suddenly sell any investments in a market dip or downturn. So this works for me. 5) I don’t automatically sell my individual stocks just because they’ve performed well - I don’t believe that a significant gain is necessarily a reason to take profits. If the fundamentals remain strong and my original investment thesis still holds, I’m comfortable letting my winners continue to grow. Of course I’ll consider whether a position has become too concentrated in my portfolio. For me, selling should be based on a reason beyond simply being up a certain percentage. $AMD has done really well and I’m still holding! This is a reflection of my personal investing experience, not financial advice. What are some uncommon or unconventional investing habits you have that works for you? read more
Net portfolio value increased about 4% in September, surpassing $1 million for the first time. Year-to-date performance stood at 3%, underperforming the S&P 500. While this is concerning at first glance, I believe this portfolio has a reasonable chance of catching up over time, given the superior quality of its underlying businesses compared with the average company in the index. 🎢 I have no control over short-term stock price movements, but what I can control is ensuring that every dollar I invest buys the greatest possible amount of per-share earnings and future growth potential. Despite the recent underperformance, the portfolio remains ahead of the S&P 500 by approximately 10 percentage points in cumulative total return since inception in 2023. (For context, I only began tracking my porfolio performance since February 10, 2023) Looking back, the main reason for the underperformance in the past year has been my lack of exposure to the semiconductor and AI hardware industries, which have experienced a tremendous boom since the beginning of 2026. However, I remain cautious about the unpredictable nature of the semiconductor market and consider it outside my circle of competence due to my lack of professional experience in the industry. 💸I believe many high flying semiconductor stocks have already priced in substantial future growth from AI development and elevated hardware prices. It is unclear whether the current rate of growth is sustainable as companies continue to aggressively ramp up production to meet demand. Although AI infrastructure investment is unlikely to slow significantly anytime soon, there will eventually come a point when AI hardware sales decelerate or even decline as supply catches up with demand. It will be very difficult if not impossible to predict exactly when this inflection point will occur, making market timing very risky. The semiconductor related stock is now account for about 18% in the S&P 500 index. If I had held the index in my portfolio, this concentration would make me uncomfortable and start looking for ways to reduce my exposure. Even without direct exposure to AI hardware stocks, I still expect this portfolio to benefit significantly from the AI buildout without taking on excessive risks. This is achieved by having concentrated investments in wide-moat hyperscalers (Amazon, Google and Meta) and Brookfield, which is helping finance and develop the infrastructure needed such as power generation and data centers. Ultimately, my investment strategy remains unchanged. Rather than chasing whichever sector has performed best recently, I will continue to focus on acquiring high-quality businesses at attractive valuations. 📊 Here is a detailed breakdown of my portfolio: TFSA: $197,691 -> $200,949 RRSP: $186,727 -> $192,824 Taxable: $588,044 -> $619,350 ---- Total: $972,462 -> $1,013,123 (excluding margin and options) Smith Maneuver Portfolio: $116,004 -> $116,479.02 HELOC balance: -$95,410.99 -> -$95,763.13 You can find my full portfolio update using the link below, which includes additional information you may find interesting: - Updated DCF valuation based on latest earnings: $ADBE - My detailed Smith Maneuver Portfolio Holdings - All stock & option trades I made in the past month Here is the link to the full update in the pinned comment 👇read more
No one sends you a congratulations card when you make the final payment on the debt that’s been suffocating you. No one celebrates when you open your TFSA and make your first $100 equity purchase. Your friends might notice when you stop buying Starbucks every morning, but they won’t see the bigger picture. No one applauds when you choose to invest instead of upgrade your car. When you stay home instead of spending money to keep up with everyone else. When you increase your savings rate instead of your lifestyle. When you keep buying through a market downturn while everyone else panics. When you reinvest your dividends instead of spending them. When you say no to something you want today because you’re building something bigger for tomorrow. When you keep going for years without much to show for it except a growing account balance and the quiet confidence that you’re doing something right. Wealth is built in the moments nobody notices. And then one day, you realize your investments can cover your living expenses. Your money is working while you sleep. Your future feels less dependent on a paycheck. Your choices are no longer dictated entirely by what you can afford this month. You’ve bought yourself something far more valuable than things. You’ve bought yourself options. Freedom. Peace of mind. And perhaps the most rewarding part? You don’t need anyone else to notice. You know what it took to get here. Keep going. The quiet years are building something powerful.read more
Doing my run this morning on the beach in Cancun, hits differently than the treadmill. Enjoy your day regardless of what the market does, as it’s not in your control. Instead buy as often, as much, and as early as possible so that you get to choose how you spend your time.
Where do I even start, it’s been so long!!!! We made it to 25k and what a life update ! I’ve been gone for the past 8 months (from Jan to August) in France on my exchange that was in Marseille!!😍🇫🇷 Words can’t even express how amazing my time abroad not only did I get to TRAVEL everywhere in europe!✈️ But it has truly helped me grow where I’m not the same person as I was before!!! There is soooo more to life and it took getting out of my bubble to see it!🤩 Now A LOT of money was spent on my time abroad! (the eurossss😵💫) and at first it made me second guess if it was worth the money but the answer is YES! No amount of money can replace the experiences that I went through! So naturally for the full 8 months I paused my investments. But now since i’m back in Canada and thank goodness I was able to keep my old job! I am back at investing aggressively!! Why? Because I have new goals!!! Goals : 1. Reach 100k before 30! (i’m 25 in November) : preferrabky would want to reach this goal by 2028👀 2. Make a big move by 2028! (I’m currently thinking potentially Vancouver🏔️ or maybe even somewhere abroad who knows😍) 3. Grow my emergency fund (so that it gives me opportunities to take a risk in the future!!) So hitting 25k while having all these goals in mind is such a good feeling but it’s only the beginning!!! Vacation was fun but now it’s time to grind 😤🔥 ALL GLORY TO GOD♥️ $VFV$XEQT$QQCread more
When I was young, I chased money, I thought about wealth in terms of numbers. Growing my portfolio, reaching milestones, and getting closer to financial independence. But recently.... life has a way of reminding you what truly matters. I spend years building wealth for the family, chasing the next milestone, and working towards financial freedom. But at the end of the day, what good is financial freedom if you forget what you're working so hard for... I cant stress it enough, spend time with family the time we spend together, and being there for the moments that matter most. Money is simply a tool to buy back our time and create more freedom for the people we love. i gotta admit, Ive been so caught up in building my future sometimes that I forget to enjoy the present. Having my wife, my 2 healthy kiddos, enough money to travel, have food on the table, pay all our bills, roof over our heads, thats real wealth. ❤️
We started investing in our Daughter's RESP only in July 2025. So far we have invested 4500$ from our own money into Growth ETF ($XUS$QQC$TEC$TECI$CHPS$DRAM$FINN$VCN). Allocated 12.50% each on these 8 ETF's. We have invested in $QDAY$SDAY$CDAY only from the CESG (Govt Grant) + Capital Gain + Dividends + Distributions received (1331.40$). Approx 30% allocated (10% each). We choose these 3 because of the Nature of these funds. 100% Growth. Income generated from the internal borrowed leverage of 25% from the Fund Manager. Possibly will add $BDAY to the list as well in future. She is 7 years old. We missed investing in RESP the first 5 years. So we can invest extra 2500$ every year for the next 6 years (2026-2031) in order to get the full 1000$ CESG from the Govt. As per the rules, we can add extra 1 year at a time for the missing year to invest inorder to get the full Govt Grant. i.e Planning to invest 5000$ every year for the next 6 years to get 1000$ CESG/year. That's 20% gain right up front. Here is the screenshot of RESP Tracker...!!! NOTE: The title "LITTLE PRINCESS FAIRY TALE RESP" was chosen by my Daughter 😂 For Anyone who is new to RESP: Max allocation for Govt Grant of 20% match.... Per child : 50,000$ max can be invested from our Own money. Max Grant per child can be received from Govt is 7200$ Basically for 36000$, we can get Govt Grant (2500$ every year for the first 13 years, 1000$ on the 14th year). Max Govt will grant is 500$/year (additional 500$/year for any missing year if you invest) We don't get grant for 14000$. Which can be invested anytime. Most people will invest upfront to capture the growth opportunity... Here is our plan. 2025: 2500$ ✅ 2026 + 2019 : 5000$ (🟠 so far 2000$ invested) 2027 + 2020 : 5000$ 2028 + 2021 : 5000$ 2029 + 2022 : 5000$ 2030 + 2023 : 5000$ 2031 + 2024 : 5000$ 2032 : 2500$ 2033 : 1000$read more
Statistics Canada's latest numbers said inflation was at 3.1%. Meanwhile, gas prices is way higher and has shot up nearly 28%, insurance is climbing, and checking out at the grocery store still feels like paying a small mortgage. I don't know who is calculating a "3%" average for the average Canadian household, but the math is completely disconnected from real life. See the attached pic because this is exactly what it feels like right now. 🇨🇦📉 I am fortunate to still able to invest, travel and have surplus but I feel for the many who are pinched to the limit....the lower class dont have any disposable income to invest anymore...and as government continue to increase spending, asset prices will go up so the rich (people who invest) get richer while the poor feel impact of our currency being devalued.
All ready to take off to go to Taiwan for our 3 week trip. The trip will cost around 8-9k in total but losing 20k in the market today make it seem real cheap. haha Not panicking at all though...actually wish it drops more into 2027 so the new TFSA can be bought in lower.
Hey Blossom! 🌸 Sooo moving back home this month hasn't saved me as much money as I thought it would! My goal is to increase my monthly investments from $1,000 to $1,500 (split between $XEQT and $VDY plus any surplus I have left at the end of the month. But between contributing to the household and spending more on gas for my commute, my expenses haven't decreased as much as I expected! 🥲 But here's the beauty of my situation: flexibility I'm the one who offered to pay rent in the first place because I'm an adult, and I'm not in my twenties anymore LOL so of course I should also contribute to the household. BUT I have been open with my family about my financial goals, and they understand that there may be times when I need to contribute less toward rent to prioritize investing. I still contribute through groceries, cleaning, laundry, and helping around the house. Something else I've realized is that I could have invested aggressively even when I lived alone. I lived well below my means, and the fact that I could have saved and invested a similar amount back then speaks volumes about how much flexibility I already had. So here's your reminder to take some time to look at how much you could actively be investing. You might have more room in your budget than you think! Surround yourself with people who support your financial goals, believe in what you're capable of, and encourage you to think bigger. Not to quote Scotiabank, but you might be richer than you think. 😉🌸 I'm looking forward to seeing where my portfolio will be next year with my aggressive saving plans. thank you to this community for motivating me and encouraging me as always! Have you ever looked at your finances and realized you could be doing more with the money you already earn? happy investing! read more
Happy Friday, Blossom! 🌸 I hope everyone gets a chance to relax and recharge this weekend! Today was my regular DCA contribution day. After covering all my expenses and contributing to the household, I realized I still had some extra funds sitting in my chequing account!! So naturally, I treated myself to my favourite matcha latte with coconut milk and banana bread cream cold foam (TRY IT, Iced without Ice). But I also decided to put that surplus money into $XEQT on top of my regular contribution! Building wealth is about consistency, discipline, and making intentional decisions with your money. I could have easily spent that extra cash on something I don't need, but after covering my expenses, and a small treat, I realized there's nothing I need or want more right now. So why not put that money toward my future? And yes, the market was red today! 🔴 BUT I see volatility as an opportunity rather than a setback, and I don't want fear to stop me from investing when my expenses are covered and I know I won't need that money anytime soon. I'm not trying to predict what the market will do tomorrow, next week, or next month. These are the little building blocks that create a strong financial foundation. Consistent contributions, disciplined decisions, and giving compound growth time to work are what can help us gradually build a six-figure portfolio and beyond. At the end of the day, wealth isn't built through one big investment. It's built through hundreds of small, intentional decisions repeated over time. ❤️ Happy weekend, everyone! Goodluck and LET'S GOOOO! 🚀🌸💚 read more
I started investing at 19. I am 29 today. Most financial advice pitched to Canadians is expensive noise designed to generate advisory commissions. Here are 9 lessons I had to learn the hard way: 🏛️ Portfolio & Fees 1. Buy the haystack: Over 15 years, 90% of active fund managers underperform the index. You do not need to pick winning stocks. One globally diversified all-equity ETF beats the pros. 2. The 2% bank trap: A 2% mutual fund fee sounds minor. Over 30 years, it compound-strips roughly 45% of your lifetime nest egg compared to a 0.20% index ETF. Keep your returns in your pocket. 3. Total return > dividends: Dividends are not free money. When a company pays a dividend, the share price drops by that exact cash amount. Chasing yield forces you into concentrated, slow-growth sectors. 🏠 Real Estate & Insurance 4. Real estate is a job: The pitch is "passive income." The reality is debt, maintenance, property taxes, and tenant calls. Equities compound quietly without middle-of-the-night furnace repairs. 5. Term over whole life: Whole life insurance bundles mediocre investing with high-commission coverage. Buy cheap term life to protect your family while working, and invest the difference in index funds. 🍁 The Canadian Account Hierarchy 6. Play the tax code properly: • TFSA is non-negotiable. Max it first. • Use an FHSA next if you plan to buy a home. • Not in your peak tax bracket yet? A non-registered account can actually beat an RRSP. Save that RRSP deduction room for higher-income years when it moves the needle. 🧠 Behavior & True Wealth 7. Savings rate beats rate of return early on: Chasing an extra 2% return on a $1,000 portfolio makes you $20. Saving an extra $500 from your paycheck changes your life. Your career is the cash engine. 8. Day trading and crypto are expensive tuition: Speculation feels like fast money, but it is emotional gambling where retail investors pay the bill. Real compounding is shockingly boring. 9. Wealth is owning your calendar: The goal of investing is not flexing luxury status symbols. It is buying back 100% of your time from jobs and situations you dislike. 🎯 The Takeaway Simplicity beats complexity every time. Which of these 9 lessons took you the longest to learn?read more
Happy Wednesday Blossom! Im only 7% away from reaching my THIRD investing goal of 2026! 🥹💚 This milestone feels extra special because it’s been an incredibly exhausting week mentally and physically. Between adjusting to my new lifestyle, the long commute, and work, I’ve been RUNNING ON EMPTY. The surplus I invested last week, on top of my usual DCA, accelerated my progress, and I’m so grateful to see my hard work paying off!!! shout out $XEQT I’m a huge advocate for work-life balance, but sometimes life puts you in a position where your options are limited, and you have to do what you need to do to get by. My hope is that reaching my financial goals will eventually give me more freedom to reclaim more time and prioritize the work-life balance I want. That doesn’t mean putting life on hold! I still make time for family, friendships, relationship, weekends, and myself. It’s about finding a balance that works for you. I’m so grateful for my family, friends, and this Blossom community for keeping me motivated. I wouldn’t be where I am without your support! 🫶🏽 I’m SO excited for next year and the possibility of reaching my $100K TFSA milestone. I’m already seeing my hard work pay off, and it reminds me that I’m getting closer to the future I want. Keep working toward your goals, but don’t forget to LIVE along the way!! happy investing!!read more
“The RRSP is a tax trap." That is the biggest myth in Canadian personal finance. Let’s run the exact math for a 30-year-old earning $120k (43% tax bracket), retiring on $60k (30% tax bracket), and investing $7,000/year for 30 years at 7%. Route A: TFSA Only You invest $7,000 after-tax. It compounds to $661,226. Withdrawal tax: $0. Total Spendable Wealth: $661,226 Route B: RRSP + Reinvested Refund You invest $7,000 pre-tax. It hits the exact same $661,226. At a 30% retirement tax rate, you keep $462,858. Looks like a trap, right? But critics ignore the refund. At a 43% tax bracket, your $7k RRSP deposit triggers a $3,010 tax refund every single year. If you reinvest that $3,010 refund directly into your TFSA, it compounds to an extra $284,327 tax-free. The Final Verdict: $462,858 (After-tax RRSP) + $284,327 (Reinvested TFSA) = $747,185 (Total Spendable Wealth) The RRSP route beats the TFSA by $85,959 in pure liquid cash. The RRSP is not a tax trap. Reinvest your refund, win the tax arbitrage game, and let the math work. read more
The Smith Manoeuvre sounds straightforward in theory, but what does it actually look like when you're doing it with your own money? This weekend I had a chance to have a follow-up conversation with Kyle (@kgcottawa) who similar to me has been implementing the Smith Manoeuvre. We each share an update on our Smith Manoeuvre portfolios and get into the practical details of how we're managing the strategy. We show our real numbers, talk about how much we've borrowed and invested, and discuss what's changed since our last conversation. Kyle's portfolio is approaching $192K, while my portfolio is around $243K, with roughly $143K in borrowing behind my Smith Manoeuvre investments. We also get into the mechanics that don't always get enough attention. How do we move money between our HELOCs and investment accounts? How do we handle the monthly interest, and when do we capitalize it? Kyle walks through his cash flow and mortgage prepayment routine, while I explain how I handle the interest slightly differently. We also discuss HELOC credit utilization, keeping the flow of funds clean, and why having enough financial breathing room matters when borrowing to invest. One of the more interesting parts of the conversation is Kyle's decision about whether to withdraw around $36,000 from his TFSA to make a larger mortgage prepayment. We discuss the emotional appeal of owing less on the house versus the potential long-term tax-free growth of leaving that money invested. We also compare our thinking around fixed versus variable mortgage rates, talk about the risks of leveraged investing, and share what we'd want someone to understand before getting started. If you're researching the Smith Manoeuvre, we also share some practical lessons and resources worth checking out, including Robinson Smith's book, Master Your Mortgage for Financial Freedom. This is an ongoing conversation about what we're learning as we implement the strategy, and we'll continue sharing updates as our portfolios and thinking evolve. 💬 We'd love to hear from you: Would you rather keep money invested in your TFSA or use it to pay down your mortgage faster? Let us know in the comments! ⚠️ Disclaimer: This video is for educational and entertainment purposes only and reflects our personal experiences and opinions. It is not financial, investment, mortgage, or tax advice. The Smith Manoeuvre involves leveraged investing and can magnify losses. Consider your own financial situation and consult qualified professionals before implementing a strategy like this. https://youtu.be/fHS8UllupIQread more
This video is probably more relevant to those who have already implemented the Smith Manoeuvre or are considering implementing it. 🙂 I wanted to share a behind-the-scenes look at how I do it in practice. My Smith Manoeuvre portfolio is now worth over $246,000 after nearly five years, and in this video, I walk through the step-by-step process of borrowing from my Scotiabank HELOC, transferring the funds to Wealthsimple, and using the money to buy more shares of XEQT in my non-registered investment account. I also share a few lessons I've learned along the way, including why I leave some available credit as a buffer for interest charges, how I keep track of transactions for tax documentation, and the differences I've noticed between using Wealthsimple and Questrade for the Smith Manoeuvre. ⚠️ This video shares my personal experience and is for educational purposes only, not financial advice. Borrowing to invest involves risk, including the possibility of investment losses, rising interest rates, and owing more than your investments are worth. Tax deductibility depends on your specific circumstances and applicable CRA rules. Do your own research and consider consulting a qualified professional before implementing a similar strategy. 💬 For those who have implemented the Smith Manoeuvre or are considering it, what's your biggest question about the process?** https://youtu.be/i_Somn5JrjQ read more
For 2026 I increased my target weight for cash reserves from 1% to 5% and I did hit that target as of late Aug. But I guess after yesterday's complete close out of my largest portfolio holding $ATH , I might be a wee bit over weight on my cash position... :) at 25% Cash position. Yesterday right after closing my ATH position... I already began what is my largest REBALANCE project in the history of my portfolio. I have already had some DEEP conversations with my AI to ensure my rebalancing of this cash is aligned with ALL my portfolio goals, the investments I want in my non-reg account (and those I dont), and how much will be removed from my portfolio for personal reason (aka enjoy some of the rewards from the ATH journey). I will be doing a video on this rebalance effort...
In episode 26 of Financial KarMoe, @karyungtom and I (Moe) tackle some of the recent questions from Blossom investment community, including whether a leveraged ETF like HEQL makes more sense than investing in XEQT and borrowing separately through a HELOC or portfolio line of credit. Is getting 25% more market exposure through HEQL worth the higher fees and borrowing costs? Kar shares his research into expected returns, volatility, fees and the trade-offs of using leverage in a registered account. I share a different perspective by comparing HEQL against my own experience with the Smith Manoeuvre and leveraged investing in XEQT, including the potential tax benefits of deductible investment interest. We also discuss why HEQL isn't "guaranteed" to outperform a standard all-in-one ETF, how future market returns affect the outcome, and why the right strategy depends on your risk tolerance and financial situation. We get into some important questions about investing on margin, managing margin calls, how much leverage is too much, and whether it's possible for a couple with modest incomes to build $1 million in their TFSAs through consistent investing. Beyond investing, we discuss whether adult children should contribute to household expenses, whether parents should open an in-trust account after maximizing their child's RESP contributions, splitting group gifts with friends, brokerage transfer promotions, and our thoughts on covered call ETFs. As always, we're sharing our own experiences and perspectives, not telling anyone what they should buy. There are plenty of ways to invest successfully, and the goal is to understand the costs, risks and trade-offs before deciding what works for you. 👇 We'd love to hear from you: Would you rather invest in XEQT and use leverage separately, or choose a leveraged ETF like HEQL? Let us know why in the comments! https://youtu.be/Z3jcQHhTRoAread more
A couple days ago me and my family returned from a 10 day vacation adventure across Vancouver Island. The excuse for us to go was to be part of the Victoria Marathon races... but after those 2 days... the rest was going all out exploring gems like Tofino, Ucluelet, Port Alberni, Nanimo and all the amazing natural wonders along the road trip. Now... everyone would say "very nice but everyone goes on vacations". Very true. But something personal about me that was engrained in my entire life was to be cost conscious, look for deals, pay off debts first, make sure the family finances will be there to protect the family thru life. So... it was RARE for me and my wife to ever splurge and go ALL OUT on a vacation and NOT WORRY how much something will cost. Sadly, I admit that often I would convince myself to not to a big life experience because maybe it was too expensive. And this was while i was working and had a good salary and knew that what ever I spent - my employment would eventually recover the costs... THEN CAME RETIREMENT... and as I am sure MOST pre-retirees think of and ok lets say WORRY ... will me and my family have enough income coming in from our investments and any pensions to pay all our bills for the next 30 years of our life.... MUCH LESS... to fully enjoy retirement and tackle big ticket items on our bucket list. Add to that - my life-long conditioning to be cost conscious and wow we don't have an employment income mindset. BUT... after 3 years of running and management m PIIVERSE Passive Income Portfolio... which has consistently generated over 3X more monthly cash then my family needs each month to pay for our lifestyle... AND.... thanks to my Daughter's boyfriend who never worries about cost - "LIVE FOR THE DAY" - kept subtly poking me to not worry about what it costs.... This vacation was simply amazing!! We went all out for what turned out to be an exclusive whale watching tour around Tofino, we rented two amazing AIR B&Bs - one overlooking the Georgia Strait at Nanimo, Went to what ever restaurants and never worried about the cost. and I will tell you - the experience for me was SURREAL... as one side of me kept whispering .. wow thats expensive... but then the other side of me said SHUT UP PERRY! 1/4 Month of distributions will pay for this entire vacation - JUST ENJOY! To know that not even does my income portfolio pay what ever bills i need to pay - that feeling of peace of mind that I DONT EVEN HAVE TO SELL ANY OF MY PORTFOLIO (no melting down) to pay these bills. That in the matter of weeks what ever expense i have will be recouped from distributions. I am sure many of you whom are retired and your wise investments have made your retirement that life of complete financial freedom to do what ever you want.... WELL... thanks to my income portfolio I built for myself... I cant explain how amazing a feeling it was to just let go and enjoy and not worry "how much will that cost". NOW I need to keep this mindset and to it more often!read more
